About 'college student credit card debt statistics'|Reader-to-reader advice on credit card debt

About 'college student credit card debt statistics'|Reader-to-reader advice on credit card debt

Ｔｈｅ               ｓｔａｔｉｓｔｉｃｓ               ｓｅｅｍ               ｔｏ               ｓｈｏｗ               ｔｈａｔ               ｔｈｅ               ａｖｅｒａｇｅ               ｅａｒｎｉｎｇｓ               ａｍｏｎｇ               ｉｎｄｉｖｉｄｕａｌｓ'               ｉｎｃｒｅａｓｅｓ               ｗｉｔｈ               ｔｈｅ               ａｍｏｕｎｔ               ｏｆ               ｅｄｕｃａｔｉｏｎ               ｔｈｅｙ               ｐｕｒｓｕｅ,               ｂｕｔ               ｄｏｅｓ               ｔｈｉｓ               ｍａｋｅ               ｉｔ               ｒｉｇｈｔ               ｆｏｒ               ｅｖｅｒｙｏｎｅ?                Ｍｙ               ｍｏｔｈｅｒ               ａｌｗａｙｓ               ｅｎｃｏｕｒａｇｅｄ               ｍｅ               ｔｏ               ｐｕｒｓｕｅ               ａ               ｃｏｌｌｅｇｅ               ｄｅｇｒｅｅ. Ｉ               ｓｔａｒｔｅｄ               ｏｕｔ               ｗｉｔｈ               ｓｏｍｅ               ｄｉｒｅｃｔｉｏｎ,               ｂｕｔ               ｓｏｍｅｗｈｅｒｅ               ａｌｏｎｇ               ｔｈｅ               ｌｉｎｅｓ               ｌｏｓｔ               ｗｈａｔ               Ｉ               ｗａｎｔｅｄ               ｔｏ               ｄｏ. Ａｓ               ａ               ｒｅｓｕｌｔ,               Ｉ               ｓｐｅｎｔ               ｓｅｖｅｎ               ｙｅａｒｓ               ｗｏｒｋｉｎｇ               ｔｏｗａｒｄｓ               ａ               ｆｏｕｒ               ｙｅａｒ               ｄｅｇｒｅｅ. Ｉｎ               ｔｈｅ               ｅｎｄ,               Ｉ               ｗａｓ               ｆｏｒｔｕｎａｔｅ               ｅｎｏｕｇｈ               ｔｏ               ｅｖｅｎｔｕａｌｌｙ               (ａｆｔｅｒ               ａ               ｌａｙ               ｏｆｆ               ａｎｄ               ｓｏｍｅ               ｔｉｍｅ               ａｔ               ａ               ｌｏｗ               ｐａｙｉｎｇ               ｊｏｂ)               ｌａｎｄ               ａ               ｊｏｂ               ｉｎ               ｍｙ               ｆｉｅｌｄ               ｔｈａｔ               ｐａｉｄ               ｓｏｍｅｔｈｉｎｇ               ｓｏｍｅｗｈａｔ               ｃｌｏｓｅ               ｔｏ               ｗｈａｔ               ａｌｌ               ｔｈｏｓｅ               ｕｎｉｖｅｒｓｉｔｉｅｓ               ａｄｖｅｒｔｉｓｅｄ               ａｓ               "ｓｔａｒｔｉｎｇ               ｐａｙ"               ｆｏｒ               ｍｙ               ｍａｊｏｒ.                Ｔｈｅ               Ｐｒｏｂｌｅｍ                Ａｆｔｅｒ               ｓｐｅｎｄｉｎｇ               ｆｏｕｒ-ａｎｄ-ａ-ｈａｌｆ               ｙｅａｒｓ               ｗｏｒｋｉｎｇ               ｏｎ               ａ               Ｇｅｎｅｒａｌ               Ｓｔｕｄｉｅｓ               ｄｅｇｒｅｅ,               ｓｉｎｃｅ               ｅｖｅｒｙｏｎｅ               ｓａｉｄ               "ｏｈ,               ｉｔ               ｄｏｅｓｎ'ｔ               ｍａｔｔｅｒ               ｗｈａｔ               ｙｏｕｒ               ｍａｊｏｒ               ｉｓ,"               Ｉ               ｓｐｅｎｔ               ａ               ｆｅｗ               ｙｅａｒｓ               ｗｏｒｋｉｎｇ               ｂｅｆｏｒｅ               ｒｅａｌｉｚｉｎｇ               ｗｈａｔ               Ｉ               ｒｅａｌｌｙ               ｗａｎｔｅｄ               ｔｏ               ｄｏ. Ｂｙ               ｔｈｅ               ｔｉｍｅ               Ｉ               ｃｏｍｐｌｅｔｅｄ               ｔｈｅ               ｄｅｇｒｅｅ               Ｉ               ｎｅｅｄｅｄ,               Ｉ               ｏｗｅｄ               ａ               ｌｏｔ               ｉｎ               ｓｔｕｄｅｎｔ               ｌｏａｎｓ. Ａｄｄ               ｔｈｉｓ               ｔｏ               ａ               ｃｒａｓｈｉｎｇ               ｅｃｏｎｏｍｙ               ａｎｄ               ａ               ｌａｙ               ｏｆｆ               ａｎｄ               ｎｏｗ               Ｉ               ｈａｖｅ               ｃｒｅｄｉｔ               ｃａｒｄ               ｄｅｂｔ               ｏｎ               ｔｏｐ               ｏｆ               ｓｔｕｄｅｎｔ               ｌｏａｎｓ.                Ｔｏｏ               ｍａｎｙ               ｏｔｈｅｒ               ｙｏｕｎｇ               ｐｅｏｐｌｅ               ｗｅｒｅ               ｔｏｌｄ               ｔｈｅ               ｓａｍｅ               ｔｈｉｎｇ,               ｔｈａｔ               ｙｏｕ               ｎｅｅｄ               ａ               ｃｏｌｌｅｇｅ               ｄｅｇｒｅｅ               ｉｎ               ｏｒｄｅｒ               ｔｏ               ｓｕｃｃｅｅｄ               ａｎｄ               ｔｈｅ               ｃｏｓｔ               ｏｆ               ｔｈｅ               ｄｅｇｒｅｅ               ｗａｓ               ｊｕｓｔ               ａｎ               ｉｎｖｅｓｔｍｅｎｔ               ｔｈａｔ               ｗｏｕｌｄ               ｐｒｏｖｉｄｅ               ｅｘｃｅｌｌｅｎｔ               ｒｅｔｕｒｎｓ               ｔｏ               ｊｕｓｔｉｆｙ               ｉｔ. Ｔｈｏｓｅ               ｉｎｖｅｓｔｍｅｎｔｓ               ｃａｎ               ｄｉｆｆｅｒ               ｄｒａｓｔｉｃａｌｌｙ               ｔｏｏ. Ａ               ｐｒｉｖａｔｅ               ｓｃｈｏｏｌ               ｃａｎ               ｅａｓｉｌｙ               ｃｏｓｔ               ｔｗｏ               ｔｏ               ｔｈｒｅｅ               ｔｉｍｅｓ               ｗｈａｔ               ａ               ｐｕｂｌｉｃ               ｕｎｉｖｅｒｓｉｔｙ               ｃｏｓｔｓ.                Ｔｈｅ               Ｓｏｌｕｔｉｏｎ                Ｗｈｉｌｅ               ｓｃｈｏｏｌｓ               ｐｒｏｍｉｓｅ               ｌｕｃｒａｔｉｖｅ               ｅａｒｎｉｎｇｓ               ａｎｄ               ｈｉｇｈ               ｅｍｐｌｏｙｍｅｎｔ               ｒａｔｅｓ,               ｉｔ'ｓ               ａｌｗａｙｓ               ｂｅｓｔ               ｔｏ               ｃｏｎｓｉｄｅｒ               ｙｏｕｒ               ｏｗｎ               ｉｎｄｉｖｉｄｕａｌ               ｓｉｔｕａｔｉｏｎ. Ｗｉｔｈ               ａｎ               ｕｎｓｔａｂｌｅ               ｅｃｏｎｏｍｙ               ｔｈａｔ               ｈａｓ               ｈｉｇｈｅｒ               ｔｈａｎ               ｎｏｒｍａｌ               ｕｎｅｍｐｌｏｙｍｅｎｔ               ｒａｔｅｓ,               ｃｏｌｌｅｇｅ               ｍａｙ               ｎｏｔ               ｂｅ               ａ               ｇｏｏｄ               ｉｄｅａ               ｆｏｒ               ｅｖｅｒｙｏｎｅ,               ａｔ               ｌｅａｓｔ               ｆｏｒ               ｒｉｇｈｔ               ｎｏｗ. Ｉｆ               ｙｏｕ               ｋｎｏｗ               ｗｈａｔ               ｙｏｕ               ｗａｎｔ               ｔｏ               ｄｏ,               ａｎｄ               ａ               ｃｏｌｌｅｇｅ               ｄｅｇｒｅｅ               ｉｓ               ｒｅｑｕｉｒｅｄ,               ａｎｄ               ｙｏｕ               ｗｏｎ'ｔ               ｏｗｅ               ａｎ               ｅｘｃｅｓｓｉｖｅ               ａｍｏｕｎｔ               ｃｏｍｐａｒｅｄ               ｔｏ               ｔｒｕｅ               ｓｔａｒｔｉｎｇ               ｗａｇｅｓ               (ｔａｌｋｉｎｇ               ｔｏ               ｐｅｏｐｌｅ               ｉｎ               ｙｏｕｒ               ｆｉｅｌｄ               ｏｆ               ｉｎｔｅｒｅｓｔ               ｉｎ               ｙｏｕｒ               ｌｏｃａｔｉｏｎ               ｉｓ               ａｌｗａｙｓ               ｔｈｅ               ｂｅｓｔ               ｗａｙ               ｔｏ               ｆｉｎｄ               ｏｕｔ),               ｔｈｅｎ               ｇｏ               ｆｏｒ               ｉｔ. Ｉｆ               ｙｏｕｒ               ｅｄｕｃａｔｉｏｎ               ｉｓ               ｐａｉｄ               ｆｏｒ               ｉｆ               ｙｏｕ               ｇｏ               ｒｉｇｈｔ               ｎｏｗ,               ｇｏ               ｆｏｒ               ｉｔ. Ｉｆ               ｙｏｕ               ｈａｖｅ               ｔｏ               ｔａｋｅ               ｏｕｔ               ｌｏａｎｓ               ｏｒ               ｓｐｅｎｄ               ｓａｖｉｎｇｓ               ａｎｄ               ａｒｅｎ'ｔ               ｓｕｒｅ               ｗｈａｔ               ｙｏｕ               ｗａｎｔ,               Ｉ               ｗｏｕｌｄ               ｓｔｒｏｎｇｌｙ               ａｄｖｉｓｅ               ｔａｋｉｎｇ               ｔｈｅ               ｔｉｍｅ               ｔｏ               ｆｉｇｕｒｅ               ｉｔ               ｏｕｔ               ｆｉｒｓｔ. Ｅｎｊｏｙ               ｌｉｆｅ. Ｔｒａｖｅｌ. Ｄｅｆｉｎｅ               ｗｈｏ               ｙｏｕ               ａｒｅ,               ｔｈｅｎ               ｂｅｃｏｍｅ               ｗｈｏ               ｙｏｕ               ｗａｎｔ               ｔｏ               ｂｅ.                Ｉｆ               ｙｏｕ               ｒｅａｌｌｙ               ｗａｎｔ               ｔｏ               ｇｅｔ               ａ               ｄｅｇｒｅｅ,               ｂｕｔ               ｄｏｎ'ｔ               ｈａｖｅ               ａｎｙ               ｓａｖｉｎｇｓ               ａｎｄ               ｄｏｎ'ｔ               ｑｕａｌｉｆｙ               ｆｏｒ               ｇｒａｎｔｓ               (ｉ.ｅ. ｆｒｅｅ               ｍｏｎｅｙ,               ｎｏ               ｒｅｐａｙｍｅｎｔ               ｎｅｃｅｓｓａｒｙ),               ｃｈｅｃｋ               ｙｏｕｒ               ｌｏｃａｌ               ｃｏｍｍｕｎｉｔｙ               ｃｏｌｌｅｇｅ. Ｍａｎｙ               ｏｆ               ｔｈｅｍ               ｏｆｆｅｒ               ａｓｓｏｃｉａｔｅ'ｓ               ｄｅｇｒｅｅｓ               ｔｈａｔ               ｔｒａｎｓｆｅｒ               ｔｏ               ｓｔａｔｅ               ｕｎｉｖｅｒｓｉｔｉｅｓ. Ｔｈｉｓ               ｃａｎ               ｄｒａｓｔｉｃａｌｌｙ               ｃｕｔ               ｙｏｕｒ               ｃｏｓｔ               ａｎｄ               ｓｔｉｌｌ               ｋｅｅｐ               ｙｏｕ               ｏｎ               ｔｒａｃｋ               ｔｏｗａｒｄｓ               ａ               ｂａｃｈｅｌｏｒ'ｓ               ｄｅｇｒｅｅ.                Ｉｆ               ｙｏｕｒ               ｐｌａｎｓ               ｄｏｎ'ｔ               ｉｎｃｌｕｄｅ               ａ               ｄｅｇｒｅｅ,               ｄｏｎ'ｔ               ｆｅｅｌ               ｔｈｅ               ｐｒｅｓｓｕｒｅ               ｔｏ               ｇｅｔ               ｏｎｅ               ｊｕｓｔ               ｔｏ               ｂｅ               ａｃｃｅｐｔｅｄ. $40,000               (ａｓｓｕｍｉｎｇ               $10,000               ｉｎ               ｌｏａｎｓ               ｔａｋｅｎ               ｏｕｔ               ｅａｃｈ               ｏｆ               ｔｈｅ               ｆｏｕｒ               ｙｅａｒｓ)               ｃａｎ               ｄｅｆｉｎｉｔｅｌｙ               ｐｕｔ               ａ               ｈｏｌｄ               ｏｎ               ｍａｊｏｒ               ｌｉｆｅ               ｐｌａｎｓ…ｌｉｋｅ               ｍａｒｒｉａｇｅ,               ｂｕｙｉｎｇ               ｈｏｍｅ,               ｓｔａｒｔｉｎｇ               ａ               ｆａｍｉｌｙ,               ｏｒ               ｊｕｓｔ               ｄｏｉｎｇ               ｗｈａｔｅｖｅｒ               ｙｏｕ               ｗａｎｔ.

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